aid: monoova
url: https://raw.githubusercontent.com/api-evangelist/monoova/refs/heads/main/apis.yml
name: Monoova
kind: company
description: 'Monoova is an Australian payments platform that lets businesses receive, manage, and pay
  funds in AUD across every domestic rail through a single set of RESTful JSON APIs. Operated by Monoova
  Global Payments Pty Ltd (AFSL 421414) and enrolled with AUSTRAC, it connects directly to the New Payments
  Platform (real-time account-to-account transfers via NPP/Osko, PayID addressing, and PayTo mandated
  debits) alongside BPAY, direct entry (credit/debit), card acquiring, and Apple Pay / Google Pay. Its
  Automatcher reconciliation engine, virtual mAccount/mWallet hierarchies, Confirmation of Payee, account
  verification, payment tokenisation, and webhook-driven reporting target fintechs, marketplaces, payroll,
  lending, remittance, and SaaS businesses (customers include Wise, Nium, Finder, and Sharesies). Monoova
  is genuinely API-first: it ships a public developer portal, a Redoc API reference, downloadable OpenAPI
  specifications, and a public Postman workspace, plus a free self-serve sandbox.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- Australia
- Real-Time Payments
- NPP
- PayTo
- PayID
- Account-to-Account
- BPAY
- Card Payments
- Money Movement
- Virtual Accounts
- Cross-Border
created: '2026-07-24'
modified: '2026-07-24'
specificationVersion: '0.19'
apis:
- aid: monoova:monoova-payments-api
  name: Monoova Payments API
  description: Monoova's core Payments API (v5.29) to receive, manage, and pay AUD across all Australian
    payment rails - real-time transfers via NPP/Osko, direct credit and direct debit, BPAY, card payments,
    and PayID. Includes the Automatcher bank-account receivables engine, virtual mAccount and mWallet
    hierarchies, ledger accounts, financial and reconciliation reporting, account verification, payment
    tokenisation, and webhooks. Authenticated with HTTP Basic auth (API key as the username).
  humanURL: https://developer.monoova.com/overview
  baseURL: https://api.mpay.com.au
  tags:
  - Payments
  - NPP
  - PayID
  - BPAY
  - Automatcher
  properties:
  - type: OpenAPI
    url: openapi/monoova-payments.yml
  - type: Documentation
    url: https://developer.monoova.com/overview
  - type: APIReference
    url: https://api-docs.monoova.com/
  - type: Overlay
    url: overlays/monoova-monoova-payments-overlay.yaml
- aid: monoova:monoova-payto-api
  name: Monoova PayTo API
  description: Monoova's PayTo API (v1) for the New Payments Platform's mandated account-to-account debit
    service - create and manage payment agreements (mandates), initiate payments against them, handle
    mandate and payment status lifecycles, and receive notifications and webhooks. Authenticated with
    short-lived (24h) Bearer tokens obtained via HTTP Basic auth.
  humanURL: https://developer.monoova.com/payto
  baseURL: https://api.monoova.com
  tags:
  - PayTo
  - Real-Time Payments
  - Mandates
  properties:
  - type: OpenAPI
    url: openapi/monoova-payto.yml
  - type: Documentation
    url: https://developer.monoova.com/payto
  - type: APIReference
    url: https://api-docs.monoova.com/
  - type: Overlay
    url: overlays/monoova-monoova-payto-overlay.yaml
- aid: monoova:monoova-card-payments-api
  name: Monoova Card Payments API
  description: Monoova's Card Payments API (v1) for accepting card payments, including tokenised card
    flows and webhook notifications for payment events. Authenticated with short-lived (24h) Bearer tokens
    obtained via HTTP Basic auth.
  humanURL: https://developer.monoova.com/card-payments
  baseURL: https://api.monoova.com
  tags:
  - Card Payments
  - Acquiring
  properties:
  - type: OpenAPI
    url: openapi/monoova-cc.yml
  - type: Documentation
    url: https://developer.monoova.com/card-payments
  - type: APIReference
    url: https://api-docs.monoova.com/
  - type: Overlay
    url: overlays/monoova-monoova-cc-overlay.yaml
common:
- type: TrustCenter
  url: security/monoova-trust-center.yml
- type: DomainSecurity
  url: security/monoova-domain-security.yml
- type: AgenticAccess
  url: agentic-access/monoova-agentic-access.yml
- type: Authentication
  url: authentication/monoova-authentication.yml
- type: Website
  url: https://www.monoova.com/
- type: DeveloperPortal
  url: https://developer.monoova.com/
- type: Documentation
  url: https://developer.monoova.com/
- type: APIReference
  url: https://api-docs.monoova.com/
- type: GettingStarted
  url: https://developer.monoova.com/getting-started
- type: Authentication
  url: https://developer.monoova.com/authentication
- type: Postman
  url: https://www.postman.com/monoova/monoova-api
- type: StatusPage
  url: https://monoova.statuspage.io
- type: Blog
  url: https://www.monoova.com/blog
- type: GitHubOrganization
  url: https://github.com/monoova
- type: LinkedIn
  url: https://www.linkedin.com/company/monoova
- type: SignUp
  url: https://sandbox.monoova.com/
- type: Support
  url: https://www.monoova.com/contact
- type: TermsOfService
  url: https://www.monoova.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.monoova.com/privacy-policy
- type: Security
  url: https://www.monoova.com/security
- type: Packages
  url: packages/monoova-packages.yml
- type: SDKs
  url: packages/monoova-packages.yml
- type: Conventions
  url: conventions/monoova-conventions.yml
- type: Lifecycle
  url: lifecycle/monoova-lifecycle.yml
- type: MCPServer
  url: mcp/monoova-mcp.yml
- type: ToolCrosswalk
  url: mcp/monoova-tool-crosswalk.yml
- type: LLMsTxt
  url: llms/monoova-llms.txt
- type: Conformance
  url: conformance/monoova-conformance.yml
- type: Compliance
  url: https://www.monoova.com/security
- type: ErrorCatalog
  url: errors/monoova-problem-types.yml
- type: DeclineCodes
  url: errors/monoova-decline-codes.yml
- type: Webhooks
  url: asyncapi/monoova-webhooks.yml
- type: AgentSkill
  url: skills/_index.yml
- type: DataModel
  url: data-model/monoova-data-model.yml
- type: Sandbox
  url: sandbox/monoova-sandbox.yml
- type: Components
  url: components/monoova-components.yml
- type: WellKnown
  url: well-known/monoova-well-known.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com